Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,027

Healthy Paws Pet Insurance offers one simple plan that covers accidents and illnesses and includes unlimited annual and lifetime payouts. They support hundreds of pet rescues and animal shelters through their Every Quote Gives Hope™ medical grant program. Top-Rated Pet Insurance Plan No maximum annual or lifetime payouts One easy-to-understand pet insurance policy Most claims are processed within 2 days Use any licensed veterinarian in the U.S. or Canada
1

out of 5

POSTED: | BY: T.R.

Not unless you have DEEP pockets for nothing

I agree with the TON of clients who are arguing the increase in rates. My monthly rate just increased by $30 per month for one dog and I have not submitted ANY substantial claims and she is 7.5 years old. They responded that it was due to the increase in claims filed in my state and basically they spread the costs across their customers. They do not take into account long term customers nor those who have not had any incidents yet dutifully pay the premium monthly. I will be shopping!
1

out of 5

POSTED: | BY: Dan

Don’t waste your money…

I wouldn’t recommend wasting your money on Healthy Paws. I have two corgis - one of who had two torn knee ligament (CCL). Healthy Paws didn’t end up helping us with either of them. Our dog was checked on a couple months before the incident because she was limping but turned out she was fine but because of that Healthy Paws said it was a pre-existing injury so they didn’t help us out. So we shelled out 4K next thing we know 8 months after full recovery she blew out the other knee (TPLO). This time healthy paws told us to “Read the fine print”… that is your dog had a TPLO or CCL previously they wouldn’t cover the cost of a second surgery.. which was absolutely crazy. And I’m not even sure they ever helped us with anything.. total waste of time and money. Their customer service was terrible as well. Company based off lies and deceit… do yourself a favor and don’t give them your money.
5

out of 5

POSTED: | BY: Addison

Easy claims and worry-free

I have been so impressed with Healthy Paws Pet Insurance. My dog has has a series of health issues over the last year, but because of Healthy Paws I have been able to avoid worrying about the financials and focus on my dog's health. All of the recent claims I have made have been processed quickly and reimbursed even quicker (often within 24 hours). After his recent surgery, the Healthy Paws team even followed up to check on his recovery!
5

out of 5

POSTED: | BY: A.H.

So impressed with Healthy Paws

I have been so impressed with Healthy Paws Pet Insurance. My dog has has a series of health issues over the last year, but because of Healthy Paws I have been able to avoid worrying about the financials and focus on my dog's health. All of the recent claims I have made have been processed quickly and reimbursed even quicker (often within 24 hours). After his recent surgery, the Healthy Paws team even followed up to check on his recovery!
1

out of 5

POSTED: | BY: Barbara C

I just cancelled my Healthy Paws…

I just cancelled my Healthy Paws Insurance. Rates have increased significantly as my dog has gotten older (as other customers have mentioned). Which would be understandable if Healthy Paws had covered ANYTHING or put ANY of my claims through. They consistently cite "missing medical records" as a reason for denial. Sorry if I decided to rescue a dog rather than buy a puppy. Even so, we had all my dogs medical records accounted for and Healthy Paws still denied all our claims. This company discriminates against those who adopt/rescue dogs. My coworker who gets her puppies from a breeder has had NO problems getting claims approved. That is very disappointing. I would stay far far away from this company.

Monthly Cost

$15 – $80, depending on breed, zip code, age of pet and choice of deductible and co-pay.

Coverage

One plan covers accidents, illnesses, cancer, emergency care, genetic conditions, alternative care and more. You can choose a co-pay of 10%, 20%, 30% or 40%. The pay-out amount is based on your actual vet bill.

Payout Limits

No per incident, annual or lifetime pay-out limit.

Deductible

You can choose an annual deductible of $250, $500 or $750* *Choice depends on age of the pet

Age Limits

Pets must be at least 8 weeks old and under 14 years old at time of enrollment. Once enrolled, pets can stay insured regardless of age.

Waiting Period

Coverage begins 15 days after your policy starts. There is a 12-month waiting period for hip dysplasia claims.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered, however hip dysplasia is only covered in pets who enroll before they are 6 years old.
Healthy Paws Pet Insurance was rated the best pet insurance company by customers in 2015, 2016 and 2017 at petinsurancereview.com, Consumersadvocate.org, PetInsuranceQuotes.com and other leading review sites. Healthy Paws has one simple plan that covers accidents and illnesses with no per incident, annual or lifetime payout limits. Their goal is to offer the best coverage possible while still keeping plans affordable. With each pet insurance quote submitted, Healthy Paws makes a donation to one of hundreds of pet rescues and animal shelters through its Every Quote Gives Hope™ medical grant program.

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